Ratio Speciality Company for Trading (9630) fair value: what the stock is really worth
As of Oct 29, 2026: fair value (intrinsic value) of Ratio Speciality Company for Trading stock SAR 5.62, price SAR 2.45, upside +129.4%, quality 33 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Oct 29, 2026.
How to read this chart
11‑month range 2.36 SAR – 7.52 SAR · fair‑value band 4.21 SAR – 7.02 SAR · the 2.45 SAR price screens below the 5.62 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 29, 2026.
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Ratio Speciality Company for Trading operates restaurants and cafes. The company engages in the wholesale and retail trade of coffee, tea products, food and beverages, dairy products, and fast food activities. In addition, it engages in the repair and maintenance of food processing equipment.
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Further, the company operates coffee and ice cream shops, and cafeterias in factories, offices, hospitals, and schools. It is also involved in franchise business. The company offers its products under the Ratio and Mornin brands.
Ratio Speciality Company for Trading was founded in 2014 and is headquartered in Al Hofuf, Saudi Arabia.
Stock analysis
Ratio Speciality Company for Trading (9630) currently trades at 2.45 SAR, while our model-based Fair Value estimate is 5.62 SAR, implying the stock looks roughly 56.4% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 6.22 SAR per share, and 12 of the 16 models we run sit above the 2.45 SAR price.
Bear case: the Economic Profit group reads lowest at 2.25 SAR, and 4 of the 16 models stay below the price. Data coverage for this calculation is low.
Scenario range: 4.21 SAR (bear) to 7.02 SAR (bull), the price of 2.45 SAR sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 33/100 (below-average quality), in the Consumer Cyclical sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Ratio Speciality Company for Trading reported revenue of 54.1M SAR in FY2025 versus 25.5M SAR in FY2021, a compound +20.7%/yr. Reported net income was 5.1M SAR in FY2025, compounding +1.7%/yr from FY2021.
Key figures
Market cap 48.1M SAR (≈ $12.8M) Micro · P/E ratio 14.3 · P/S ratio 1.35 · EPS (TTM) −0.1400 SAR · Dividend yield 8.2% · Net margin −5.3% · Return on equity −6.2% · Return on assets (EBIT) 26.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 20 out of 100 (low confidence).
What moves the price
For context, the median of 10 Consumer Cyclical peers we cover trades at −23% fair-value upside, at 129%, 9630 screens cheaper than that median.
Fair Value models
Bear4.21 SARFair Value 5.62 SARBull7.02 SAR
Price 2.45 SAR · Upside +129.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.52/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+15.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.7%
’21
’22
’23
’24
’25
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−57.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−66.1%
Dividend (yield on the price)8.2%
Profit margin 2021 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.18% → 9%
Compare Ratio Speciality Company for Trading with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Restaurants · 211 stocks
Beats the industry median on 7/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score33 · Bottom 25%
Fair Value upside+129.4% · Top 25%
Profitability
Return on assets7.2% · Top 25%
Net margin (12 months)−5.3% · Bottom 25%
Operating margin (12 months)−5.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)7.7% · Above median
Dividend yield (12 months)8.2% · Top 25%
Valuation Multiplesvs Restaurants median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Ratio Speciality Company for Trading Fair Value". https://www.fairvalue-calculator.com/stock/9630
Frequently asked questions
Is Ratio Speciality Company for Trading (9630) overvalued or undervalued?
As of Oct 29, 2026, our model estimates a fair value of 5.62 SAR versus a price of 2.45 SAR, about +129% upside (undervalued).
What is the fair value of 9630?
Our model-based fair value for Ratio Speciality Company for Trading is 5.62 SAR (as of Oct 29, 2026), built from audited fundamentals. The current price: 2.45 SAR.
What is the quality score of 9630?
Ratio Speciality Company for Trading has a Quality Score of 33/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Ratio Speciality Company for Trading (9630)?
Our model-based price target is the fair value of 5.62 SAR (as of Oct 29, 2026) from 16 valuation models. Cautious scenario 4.21 SAR, optimistic scenario 7.02 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Ratio Speciality Company for Trading stock forecast for 2026?
Our models put fair value at 5.62 SAR, about +129% upside versus a price of 2.45 SAR (undervalued). Cautious scenario 4.21 SAR, optimistic scenario 7.02 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Ratio Speciality Company for Trading (9630)?
Ratio Speciality Company for Trading reported trailing-twelve-month revenue of about 56.1M SAR (latest available figure, as of Oct 29, 2026).
Does Ratio Speciality Company for Trading pay a dividend?
Ratio Speciality Company for Trading currently shows a dividend yield of 8.16% relative to its recent price (as of Oct 29, 2026).
What is the intrinsic value of Ratio Speciality Company for Trading (9630)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ratio Speciality Company for Trading it is 5.62 SAR per share (as of Oct 29, 2026), against a price of 2.45 SAR. It is the blended result of 16 valuation models (cash flow, earnings, asset, dividend).
Is Ratio Speciality Company for Trading stock overvalued or undervalued in 2026?
As of Oct 29, 2026, 9630 trades below its calculated fair value: price 2.45 SAR, fair value 5.62 SAR, a gap of about +129% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 9630?
No. The price is what the market pays today (2.45 SAR); the fair value is what the company's own numbers justify (5.62 SAR). For Ratio Speciality Company for Trading the two are 3.17 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Ratio Speciality Company for Trading worth?
The market values Ratio Speciality Company for Trading at about 48.1M SAR (market capitalisation, as of Oct 29, 2026). Per share that is 2.45 SAR; our models calculate a fair value of 5.62 SAR per share.
What do the bullish and bearish scenarios say about 9630?
Our models span a range for Ratio Speciality Company for Trading: cautious scenario 4.21 SAR, base 5.62 SAR, optimistic 7.02 SAR per share (as of Oct 29, 2026, price 2.45 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 9630?
Ratio Speciality Company for Trading trades at a price-to-earnings ratio of 14.3 (as of Oct 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 5.62 SAR is built from several models across several years. Other multiples: P/B 1.0, P/S 0.9, EV/EBITDA 35.2.
How solid is the balance sheet of Ratio Speciality Company for Trading (9630)?
Balance-sheet figures for Ratio Speciality Company for Trading (as of Oct 29, 2026): return on equity −6.2%. They feed the Quality Score of 33/100, which measures business quality independently of the share price.
Which stocks are comparable to Ratio Speciality Company for Trading?
From the same area (Consumer Cyclical) we also value McDonald's Corporation, Starbucks Corporation, Yum! Brands, Inc, Chipotle Mexican Grill, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Ratio Speciality Company for Trading stock attractive at the current price?
The data as of Oct 29, 2026: price 2.45 SAR, calculated fair value 5.62 SAR (+129%), Quality Score 33/100, from 16 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 9630 calculated?
We run Ratio Speciality Company for Trading through 16 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 5.62 SAR, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.1 % above its aggregate fair value. Ratio Speciality Company for Trading currently trades 56 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Ratio Speciality Company for Trading (9630)?
The closing price on Oct 29, 2026 was 2.45 SAR. Our model-based fair value is 5.62 SAR, about +129% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ratio Speciality Company for Trading right now?
The large discount to fair value meets weak quality (33/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (4.21 SAR). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of Ratio Speciality Company for Trading
How large is the market capitalisation of Ratio Speciality Company for Trading (9630)?
The market capitalisation of Ratio Speciality Company for Trading is 48.1M SAR (≈ $12.8M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Ratio Speciality Company for Trading (9630)?
The price-to-sales ratio of Ratio Speciality Company for Trading is 1.35 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Ratio Speciality Company for Trading (9630)?
Earnings per share at Ratio Speciality Company for Trading are −0.1400 SAR (price ÷ EPS = P/E 14.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Ratio Speciality Company for Trading (9630)?
The dividend yield of Ratio Speciality Company for Trading is 8.2%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Ratio Speciality Company for Trading (9630)?
The net margin of Ratio Speciality Company for Trading is −5.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Ratio Speciality Company for Trading (9630)?
The return on equity (ROE) of Ratio Speciality Company for Trading is −6.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Ratio Speciality Company for Trading (9630)?
On an EBIT basis the return on assets of Ratio Speciality Company for Trading is 26.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Ratio Speciality Company for Trading (9630)?
The operating margin of Ratio Speciality Company for Trading is −5.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ratio Speciality Company for Trading (9630)?
Revenue at Ratio Speciality Company for Trading is growing +7.7% versus a year earlier (3y avg +14.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Ratio Speciality Company for Trading (9630)?
Earnings per share at Ratio Speciality Company for Trading are growing +6.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Ratio Speciality Company for Trading (9630) generate?
The free cash flow of Ratio Speciality Company for Trading is −4.4M SAR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Ratio Speciality Company for Trading (9630) hold?
Ratio Speciality Company for Trading holds more cash than debt, 10.3M SAR net (fiscal year 2024). The company holds more cash than debt, a safety cushion.
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Thin data
Oct 29, 2026